What Is Takeaway Insurance?
Whether you run a kebab shop, or Chinese, Indian or Lebanese takeaway, we’ve got you covered with our range of takeaway insurance policies. We can create cover for a variety of takeaways – including Italian, fast-food, Thai and fish and chips, as well as sushi and burgers.
Therefore, if your business is based in delicious meals, we can ensure you have the correct level of cover. With The Insurance Octopus, you get to create your own policy, only paying for the protection you require, based on great guidance from a Feefo Platinum awarded company. With flexible payment methods available, as well as access to multiple insurers, you receive so much more than a takeaway insurance policy when you choose one through us.
We don’t keep you hanging around, and you can get a quote in no time at all. Just fill in our quote form, request a call back, and one of our insurance experts will take you through our range of options. And should you ever need to update your policy, we won’t ever charge administration fees for mid-term adjustments, simply offering support instead.
What may be included in a takeaway insurance policy?
With this policy, if refrigeration faults or freezer breakdowns cause loss of stock, you’ll be given compensation for replacements.
Public Liability insurance
Available as cover at £1m, £2m and £5m, this protects customers and members of the public from injury, and damages to their belongings.
Product Liability Insurance
Food poisoning and adverse reactions to meals can result in pay outs, and this way, it’s not out of your own pocket.
Employers Liability Insurance
A legal requirement should you have staff, this keeps them protected should they suffer an injury, become ill or have any damages while working.
How Does Insurance For Takeaways Work?
Proudly protecting thousands of Britain’s takeaways
From your Indian takeaway to your Italian pizza house, takeaway insurance by The Insurance Octopus has been designed with takeaway businesses in mind. The UK loves a takeaway and we want to ensure your businesses ongoing success with our comprehensive low cost business insurance policies which we’ve designed to be as flexible as possible, allowing you to tailor your takeaway shop insurance to provide all of the essential cover you need in one business insurance policy.
Why You Need Takeaway Food Insurance
Running a takeaway can be highly profitable so you need to be able to protect your business and yourself from financial loss. As a takeaway shop owner, you are at risk from a number of daily perils including: malicious damage, theft of stock, theft of monies by an employee, fire & arson as well as a range of natural disasters such as floods. All of these risks factors need to be considered when looking for a comprehensive takeaway food insurance policy.
As a food related business you also face the risks that come with selling food. Some of the most common and potentially most expensive food related insurance claims include:
- Bouts of food poisoning brought on by food you’ve sold
- Nasty allergic reactions, problematic if the customer has disclosed the allergy
- A range of different types of food contamination
Our cover can ultimately protect you against compensation claims and the costs incurred from defending legal action -as even if you win a case, legal fees can be considerable.
Takeaway Shop Insurance FAQs
What are common food insurance claim types?
Working in the food industry can be tricky, on top of all the challenges that any business faces, food retailers and suppliers have to think about other types of food insurance claims that are more common than you think. For example:
- Food becomes unfit for consumption when a fridge or freezer breaks down.
- A customer unwittingly eats something they are allergic to, but weren’t aware it was an ingredient.
- Customers develop food poisoning after eating food prepared on your premises.
Can you insure the improvements you make to your takeaway shop?
Yes, if rented, we can insure most improvements that you make with the landlord’s permission to your shop. These improvements can be permanent or temporary, including fixtures, alterations, installations or any other additions that improve the premises. The landlord’s insurance policy won’t pay for the cost to reinstate the improvements as a result of a claim as they belong to you. For example we can help you insure against loss or damage to your improvements if you install a new display, signage or counter.
What level of public liability insurance does my takeaway need?
Public liability insurance effectively protects you should a member of the public be hurt on your premises. So, the level of cover required by your take away depends on various factors. These include the size of your business, the equipment you use and the potential extent of any injury that could be caused resulting in compensation claims when something goes wrong. Complete our online quote today or call our team and we can help you determine the right level for you.
No Two Takeaways Are the Same – Which is Why We Take a Tailored Approach to When it Comes to Their Insurance
Considered business interruption cover?
Consider how your business would survive following a disaster such as a fire or flood. Would you be able to continue operating in these circumstances? Business interruption cover protects you against loss of income in such instances and could be the lifeline your business needs following a disaster.
Takeaway insurance experts
When you’re considering taking out a policy, one of The Insurance Octopus’ specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers. We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to us today to get a quote.
Why Choose The Insurance Octopus to Insure Your Takeaway Shop?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How it Works
Examples of Takeaway Shop Insurance in Action
Taking away £5,000
Walking into a takeaway restaurant, a customer trips on a poorly laid welcome mat, resulting in them losing a tooth. This injury results in expensive private dental treatment for a crown replacement, at which point the customer chooses to take legal action against the takeaway for the cost of his new tooth as well as compensation for other medical costs and legal fees. The takeaway’s public liability insurance covers the costs for the property, resulting in no loss.
Other Types of Retail Shop Insurance We Can Provide
Get insurance for your Takeaway off your to do list
Help protect and grow your business with tailor made Takeaway insurance from The Insurance Octopus
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